The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,812
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,961
−HK$153/mo
Today · 4.125%
HK$5,114
baseline
▲ 0.50% · 4.625%
HK$5,425
+HK$311/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,228/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,353
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,497
−HK$145/mo
Today · 4.125%
HK$5,642
baseline
▲ 0.50% · 4.625%
HK$5,940
+HK$298/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,284/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,774
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,954
−HK$182/mo
Today · 4.125%
HK$6,136
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$374/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,272/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,424
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,596
−HK$175/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,542/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,736
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,946
−HK$213/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,595
+HK$436/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,318/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,494
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,695
−HK$204/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,316
+HK$417/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,798/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,661
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$273/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,408/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,635
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,894
−HK$262/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,691
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,312/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).